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Improving Our Wellness Together20172018
Important ContactsVendorPhone NumberHuman ResourcesWebsitehr@adcsclinics.comErica Novak407-875-2080 x1107enovak@adcsclinics.comMilliebeth Quinones407-875-2080 x2989milliebeth.quinones@leavittmgt.comKristi Varner407-875-2080 x1109kristi.varner@leavittmgt.comLorena Pabon407-875-2080 279-8385https://mybenefits.conexis.com/Auto & Home ployee Assistance ProgramAetna Resources for Living800-272-7252www.horizoncarelink.comLogin ID: ADCS ClinicsCompany ID: eapIdentity Theft ntary s.comMedicalAetnaPrescription DrugsAetnaHSA AccountDentalAetnaVisionAetnaLife/AD&D ClaimsAetnaVoluntary LTD ClaimsCignaVoluntary STD ClaimsCignaFSAAll benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subject tothe provisions and exclusions of the master contract.
Welcome to Open Enrollment for your 2017 - 2018 Benefits!Dear ADCS Employees,We are pleased to introduce you to the 2017 Group Benefits Program. We truly value our employees andour appreciation is reflected in your comprehensive benefits program. We strive to offer you a completebenefit package with choices to help you match your personal health and insurance needs. We havecarefully selected these programs with your best interests in mind. By selecting the right combination ofbenefits, you can maintain good health and protect you and your family from unexpected costs. In line withthe requirements of the Affordable Care Act (ACA), the benefits provided offer you a number of choices tomeet your needs.Elections you make during open enrollment will become effective July 1, 2017. Your benefit selections mustbe made by June 8, 2017. This guide will help you understand the benefit choices you can make before theenrollment deadline.The ADCS Group Benefits Program is a significant part of your total rewards package here at ADCS, andrepresents our strong commitment to the health and welfare of our employees.All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subject tothe provisions and exclusions of the master contract.
2017-2018 OPEN ENROLLMENTOnline Benefit EnrollmentADCS will continue to provide electronic enrollment through Explain My Benefits. Explain My Benefitsprovides benefit eligible employees the ability to make group insurance benefit elections and changes onlineduring the annual open enrollment, new hire orientation and qualifying events. Open enrollment has neverbeen easier. Accessible 24 hours a day during the open enrollment process, information about all of youremployee benefits election options, including premiums and carrier contact information, are also availableto help you make informed decisions. You can also log on to the Explain My Benefits portal at any time toreview your benefits, access carrier links, update life insurance beneficiaries, and report qualifying events.Open Enrollment DatesJune 1 - June 8Decide which of these two convenient enrollment options best fits your needs:Self-Service Visit www.explainmybenefits.biz/adcs and move through the enrollment system at your ownpace. Review the posted benefit guide and plan summaries to help you with your benefit decisions. If choosing this option be sure to click “submit” at the end of the process and made note ofyour confirmation number. If you do not receive a confirmation number, you have notcompleted your enrollment. Return to the system anytime and click your confirmation number to view your confirmationstatement.Call Center - Call the Explain My Benefits call center at 321-296-8060; Option #1.9:00am - 5:00pm EST; Monday - Friday; 6/1 - 6/8 to speak with a benefit counselor.REMINDERSReminders when using any of the above options for enrollment: Be sure to review the 2017-2018 Benefit Guide and plan summaries prior to going through anyenrollment process. Be prepared by gathering dependent and beneficiary information (i.e. collect info such as social securitynumbers and dates of birth.)Once you have made your elections, you will not be able to change them until the next Open Enrollmentperiod unless you have a qualified change in status (see Making Changes for details). NO EXCEPTIONS.Medical, Dental, Vision, Life & Disability coverage: This is an active enrollment - All Employees eligible forbenefits in 2017/2018 MUST electronically make an election during the Open Enrollment period - yourcurrent elections WILL NOT carry over into the new plan year.Health Savings Account (HSA Bank Account): If you enroll in the OAMC HSA plan, you’ll receive a Welcomeemail from Payflex. It includes information and instructions on how to open or transfer your account. If youdo not want to open an account, you must call Payflex to cancel.1All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.
ELIGIBILITY & MAKING CHANGESWho is Eligible?All regular full-time employees working 30 hours per week are eligible to enroll in the benefits described inthis guide, on the first of the month following a 60-day waiting period. The following family members areeligible: Your legal spouse (unless you are divorced or legally separated) Your biological children or legally adopted children up to age 26. (If you are in the process of adopting achild, the child is eligible for coverage when placed with you for the purpose of adoption). Your married and unmarried stepchildren or children up to age 26 for who you have assumed permanentlegal and physical custody pursuant to a valid State Court order For medical, dependent children may be eligible up to age 30 under certain circumstances Unmarried, disabled child(ren) of any age (you may ben required to provide proof of disability)Making ChangesUnder Section 125 of the Internal Revenue Code, you are allowed to pay for certain group insurancepremiums with tax-free dollars.You must, however, make your benefits elections during Open Enrollment carefully, including your choice towaive coverage. Unless you have a qualified change in status, you cannot make changes to the benefits youelect until the next Open Enrollment period. NO EXCEPTIONS. Qualified changes in status include: Marriage, divorce or legal separation Death of spouse, child or other qualified dependent Birth or adoption of a child Change in child’s dependent status due to age, student status, marital status or employment Change in spouse’s benefits or employment statusYour qualified change must be made within 30 days from the date of the event; otherwise you will have towait for the next Open Enrollment period to make changes.If cancelling coverage due to a qualified event, you are required to provide proof of other coverage beforeyour current coverage can be cancelled.All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.2
MEDICAL PLAN COMPARISON CHARTADCS offers a choice between two medical plans - OAMC Copay Plan and OAMC HSA Plan. Both plans areavailable nationally, utilizing the Aetna Managed Choice network; but only the OAMC HSA Plan option is HSAcompatible.OAMC Copay PlanPlansYou PayIn Network OnlyOAMC HSA PlanYou PayOut-of-NetworkYou PayIn Network OnlyDeductibleYou PayOut of NetworkDeductibleIndividual 2,750 10,000 2,500 5,000Family 5,500 20,000 5,000* 10,000*30%50%30%40%Coinsurance (including Rx)Out of Pocket Maximum (per plan year,Includes PYD and Copays)Out of Pocket Maximum (per plan year,Includes PYD)Individual 6,000 30,000 6,350 12,500Family 12,000 60,000 12,700** 25,000**Preventive Care 050% for routine adult andchild preventive services 040% for routine adult andchild preventive servicesDr. Office Visits 40 Copay PCP 65 Copay Specialists50% after PYD30% after PYD40% after PYD30% Coinsurance50% after PYD30% after PYD40% after PYDEmergency Room30% after PYD30% after PYD30% after PYD30% after PYDOutpatient Surgery30% after PYD50% after PYD30% after PYD40% after PYDOutpatient Hospital FacilityServices (blood work, x-rays)30% after PYD50% after PYD30% after PYD40% after PYDAdvanced Imaging/Therapies(MRI, PET, CT)30% after PYD50% after PYD30% after PYD40% after PYDInpatient Hospital (Facility &Professional Fees)30% after PYD50% after PYD30% after PYD40% after PYDUrgent CarePrescription DrugsPrescription DrugsRetail Pharmacy(30 Day Supply)RX PYD ( 200 Individual /Rx PYD ( 200 Individual / 600 Family), then 30% of 600 Family), then 15 /PYD, then 15 / 35 / 65submitted cost; after 35 / 65applicable copayMail Order(90 Day Supply) 37.50 / 87.50 / 162.50Not CoveredPYD, then 37.50 / 87.50/ 162.50In-network PYD, then30% of submitted cost;after applicable copayNot Covered*Once Family Deductible is met, all family members will be considered as having met their Deductible for the remainder of the planyear. There is no Individual Deductible to satisfy within the Family Deductible.**The family Out-of-Pocket (OOP) Maximum is a cumulative Payment Limit for all family members. The family OOP Max can be met bya combination of family members; however no single individual within the family will be subject to more than the individual OOPamount.PYD Plan Year Deductible (July - June)3All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.
AETNA MEMBER TOOLS & EMPLOYEE ASSISTANCEIf you participate in one of the Aetna Medical Plans,you can take advantage of member discounts andutilize tools that will assist you to choose the best ofcare through your secure member portal, AetnaNavigator.Member Discounts: Gym memberships and homefitness and nutrition products, weight-loss programs,vision and hearing care.Lifestyle Improvement Programs: Smoking cessation,stress management, or weight and nutritionalprograms, to help monitor and improve your overall well-being.Personal Health Assessment: Allows you to get a clear picture of your health status and create action plansthat work with your personal needs and lifestyle.Find a Doctor or Hospital (DocFind): Saves you time and money to identify a network doctor beforeservices are rendered. Sign in to Aetna Navigator to secure DocFind to get personalized results based onyour plan.Member Payment Estimator: Find costs for procedures, doctor’s office visits, lab tests, and surgery beforeyou go. Compare costs from different doctors and hospitals wo you can save money.Member Health Statement: Gives you a monthly overview of savings, claims and expenses.Compare Drug Prices: The pharmacy shopping toll allows you to see where to shop for the better price onyour prescription.Ask Ann: Your virtual assistant in your Aetna navigator secure member website is available around the clockto answer your health benefit questions.For more information about these and other programs available through Aetna, visit www.aetna.com.Employee Assistance ProgramADCS provides free to ALL employees an EAP. Employees can call Aetna Resources for Living any time of theday or night, 365 days a year, for guidance from experienced registered nurses, master’s-level counselors,attorneys, financial advisors, management consultants and trainers. You can get help with issues likechildhood illness symptoms, medication questions, work-related stress, emotional problems, chemicaldependency, or personal legal and financial issues. Call your EAP toll free today! (800) 272-7252All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.4
TELADOCWhat is Teladoc?Teladoc offers members the ability to consult with a national network of U.S. board-certifiedfamily practitioners, PCPs, pediatricians and internists to diagnose, recommend treatment,and write short-term (non-DEA) prescriptions, when necessary. Consultations are availableby telephone as well as by online video using Teladoc.com or through the Teladoc Membermobile app. Teladoc can provide resolution to a wide range of common and routine illnesseshelping prevent unnecessary use of the ER or Urgent Care centers.Teladoc vs. Clinics or ERConvenient Care RetailClinicsTeladocStaffLicensed medicaldoctorsHow to accesscare Examples ofconditionstreatedNurses, physicianassistantsUrgent Care CentersEmergency RoomsLicensed medicaldoctors, nurses,physician assistants,medical assistants andother urgent care staffLicensed doctors,nurses, physicianassistants and otherhospital staffHours/days of servicevary by centerCenters are located inretail chains such asCall 1-800-Teladoc toCVS and Walgreensschedule a consultation To find a clinic:via phone or video.1. Visit www.aetna.comVisit www.teladoc.com 2. Click “find a doctor”for more information. 3. Select Urgent CareCenters or Walk InClinics To find a clinic:1. Visit www.aetna.com2. Click “find a doctor”3. Select Urgent CareCenters or Walk InClinics Cold and flu FracturesWhiplashSports InjuriesFallsCuts and minorlacerations Gastritis Burns and rashes Injury with loss ofAccess 24/7/365 Available via phone,video or mobile app symptoms Bronchitis Urinary tract infection Cough Pink Eye Nasal Congestion Sinus Problems Rash / Skin IrritationsRoutine allergiesEar infectionsStrep throatColds and FluMinor insect bitesAccess 24/7EmergencyRooms arelocated in manyhospitalsIn an emergency, call911 or goimmediately to thenearest ER consciousness orfaintingMajor injuriesVehiclesaccidentsStab woundsBroken bonesWait TimeLess than 22 minutesUsually less than 1 hourUsually less than 1 hourImmediate foremergency or 5.5hours for nonemergency careCosts for careOAMC Copay Plan 40Average costs are 77Average costs are 125 - 175Average costs are 750 - 1,000OAMC HSA Plan 40consultation fee (untildeductible is met, thensubject to coinsurance)5All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.
TELADOCHours of availability for Teladoc services: Telephone consults are available 24/7/365Video consults are available 7/365 during thehours of 7:00AM - 9:00PM in all U.S. Time ZonesThe mobile app is available 24/7/365 formembers to access their accounts, manage theirhealth records, and request a phone or videoconsult; Mobile app video consults are availableduring the same hours as the online videoconsults (7:00AM - 9:00PM in all U.S. Time Zones)Teladoc Member Mobile App, please visithttp://www.teladoc.com/mobilePricingIf member has Member will pay OAMC Copay PlanPCP office visit copayOAMC HSA Plan 40 consult fee (Untildeductible is met, thensubject to coinsurance)Key Facts about Teladoc There are no age limitations; Teladoc can treatmembers of all ages including newbornsOnly one consult per member per day is allowed;this is the same benefit policy Aetna has withprovider office visitsA telephone, mobile app and/or videoconsultation includes the diagnosis andrecommended treatment; a short-term (non-DEA)prescription will be ordered if/when appropriateor necessaryTeladoc providers cannot order diagnostic testingand member will be referred to their primary careprovider if that level of care is neededThe member’s financial responsibility for a covered consultation is the same as it is when visitinga network provider or specialist as determined bythe member’s plan design. Eligibility is verifiedthrough the standard 270/271 real-time eligibilityand benefits inquiry transaction.Important Information regardingDependents:An adult member must request a consult on behalfof a minor dependent member and also be presentfor the consult.Adult dependents (18 years and older) must requesttheir own consult per HIPAA regulations.Limitations:The only limitations are the states where it is available and I have listed them below.National: Phone and video consults with Rx offeredacross the US; Video consults are not available inArkansas or Texas at this time; additional exceptionsare noted below.ExceptionsIdaho: Video consults ONLY (with Rx); No phoneconsults offered at this time.Georgia: Phone and video consults offered butwith a 72hr Rx limit on both; Georgia has stateregulations that prohibit a doctor from prescribingmedication longer than 3 days; this is for anyconsultation, whether it is Teladoc or a crosscovering physician chosen by the patient’s provider.Arkansas: Teladoc not offered at this time; as aresult of interpretation differences betweenTeladoc and the Arkansas medical board regardingstate regulations governing telehealthconsultations, Teladoc has temporarily suspendedservices in this state.Texas: Phone consults ONLY (with Rx); No videoconsults offered at this time.Alaska & South Carolina: Residents are required toidentify a Primary Care Physician (PCP) prior toreceiving a consultation; after each consultation,Teladoc will fax a Continuity of Care Record to themember’s PCP.All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.6
HEALTH SAVINGS ACCOUNT (HSA)HSA Program is made up of two partsHealth SavingsAccountMedical PlanPreventiveCare Coveredat 100%CoinsuranceDeductibleUnusedfunds stay inaccountAccount isowned byemployeeCan be fundedby employerand employeeUsed to paymedicalcostsHSA Cost Saving AdvantagesTriple Tax Savings: HSA contributions are excluded from federal income tax, interest is earned tax-free, andwithdrawals for eligible expenses are exempt from federal income tax.Reduce Out-of-Pocket Costs: Use HSA funds to help you satisfy annual deductible and coinsurance expenses.Long Term Financial Benefits: You own the account, save unused funds from year-toyear, unused money isheld in an interest-bearing savings or investment account.Choice: You control and manage when you use your HSA funds.Contact your tax advisor for additional details.HSA MaximumContributions7For 2017, the maximum allowable contributionfor an individual is 3,400 and family is 6,750.For those who will be between age 55 and 65 byDecember 31, 2017, you are eligible to make“catch-up” contributions of up to 1,000.All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.
HEALTH SAVINGS ACCOUNT (HSA)Using your HSA (through PayFlex)Your HSA can be used to offset out-of-pocket costs for qualified (or eligible) medical expenses for you, yourspouse and dependents. Below are examples of eligible expenses*: Prescription Drugs Deductible Lab Tests Chiropractor Dental Care Vision Services Infertility Smoking Cessation Programs COBRA premiums Health Insurance Premiums while receiving unemployment benefits Qualified Long-Term Care PremiumCan You Have an HSA and an FSA?If you have an HSA bank account, you are not eligible to participate in the Health Care FSA offered throughConexis. There are no restrictions to having an HSA and a Dependent Care FSA at the same time.How Does an HSA Differ From an FSA?Eligibility to ContributeOwnershipUse It/Lose ItHSAFSAYou must be enrolled in a qualifiedIRS high deductible health planEstablished by your employerBank account is owned by theemployeeSet up and owned by your employerNo, money rolls over from year toyearADCS employees may rollover amaximum limit of 500 of unusedcontributions into the next plan yearAll benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.8
VOLUNTARY BENEFITSWHAT ARE VOLUNTARY BENEFITS?Voluntary Benefits are offered to strengthen your overall benefits package. You customize the benefit basedon need and affordability. You are eligible to participate in these benefits even if you do not participate inthe company sponsored medical plan. ADCS employees pay 100% of the Voluntary Benefits premiums. Ownership – Policies are fully portable and belong to you if you leave your employer, same price andsame plan Benefits are payroll deducted Cash benefits are paid directly to you, not to a hospital or to a doctor Benefits are paid regardless of any other coverage you may have Level premiums—Rates do not increase with age Guaranteed Renewable Designed to provide additional cash flow to assist with out of pocket medical costs and other billsThe Voluntary Benefits offered are a Hospital Indemnity Plan through Aetna and Accident and Critical IllnessPlans through Trustmark.This plan was previously offered throughAmerican Public Life Insurance CompanyHOSPITAL INDEMNITYThis plan can help offset your out-of-pocket medical expenses including deductibles, coinsurance and copaysand services not covered under your group medical coverage for hospitalization and outpatient surgery. Thisplan is available for yourself, your spouse and your children.Hospital Confinement BenefitPays 100 per day; for up to 10 daysAnnual 1st Occurrence Hospital RiderPays 1,000 for the initial day of one inpatient hospital stay,when stay begins during the plan yearEmergency Accident RiderHospital confinement would pay upon accidentconfinementIntensive Care/Coronary Care Unit RiderPays 100 per day; up to 10 days for intensive care unitonly, pays in addition to hospital confinementRates Per PayPeriod9Employee Only Employee & Spouse 10.93 19.94Employee & Child(ren)Family 15.39 24.99All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.
VOLUNTARY BENEFITSACCIDENT PLANThis plan helps pay for the unexpected expenses that can result from an accident. On and off the jobcoverage - 24 hours per day/7 days per week. Please see the online enrollment system for plan cost.Money is paid directly to you for (please see brochure for a complete list of benefits): Initial Doctor’s Office Visit Initial Hospitalization Daily Hospitalization Emergency Room Visit Fractures Dislocations Burns StitchesWellness or Health Screening Benefit Included: A benefit is paid for health screening tests foreach covered person. There is a 60-day waiting period, after initial enrollment, for this benefit.Examples of Wellness and Health Screenings include: Low-dose Mammogram Fasting Blood Glucose Test Pap Smear Serum Cholesterol PSA Test Stress Test*Dependents up to age 26 can be covered regardless of student status.CRITICAL ILLNESS / CANCERThis plan pays a lump sum cash benefit if you are diagnosed with a covered critical illness, heart attack, internal cancer or stroke. The cash benefit is provided upon the first diagnosis of a covered condition to help easeyour financial worries. Please see the online enrollment system for plan cost.Examples of covered conditions:Invasive Cancer, Heart Attack, Stroke, Renal (Kidney Failure), Blindness, ALS (Lou Gehrig’s Disease), MajorOrgan Transplant, Paralysis of Two or More Limbs, Coronary Artery Bypass Surgery (25% benefit), CarcinomaIn Situ (25% benefit)A Health Screening Benefit is included in your Critical Illness/Cancer Policy and Trustmark pays up to 100for each insured. Each covered person will get one immunization or one screening test per calendar year.Examples of Health Screenings Low dose mammography Serum cholesterol Stress Test Bone Marrow Pap smear PSA Test Colonoscopy Chest X-rayAlso included is a Double Benefit Option that provides a second cash payment in the event a coveredperson is diagnosed with a different condition or illness. Pays an additional 100% of the original benefit.All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.10
LIFE INSURANCEThis plan was previously offered through Cigna.Basic Term Life and AD&DADCS provides all full-time employees with Basic Term Life Insurance and AD&D coverage through Aetna.Your benefit amount is 10,000 Basic Life and 10,000 AD&D. Because we feel these benefits are soimportant, ADCS pays 100% of the cost.Supplemental Life & AD&D (based on 24 pay periods)If you wish to add to the Basic coverage, you also have the opportunity to purchase Supplemental Life andAD&D insurance through Aetna. This coverage is available in increments of 10,000 up to 5x your earnings or 500,000. You will be subject to Evidence of Insurability for any amount over 140,000.AgeUnder 2525-2930-3435-3940-4445-4950-5455-5960-6465-6970 .4500.780To calculate your semi-monthly cost, use the following formula: 1,000 x Life Benefit AmountRateMy Semi-Monthly CostSupplemental Dependent Life & AD&D (based on 24 pay periods)Dependent Life Insurance is also available to you for your spouse. You may purchase Supplemental Life andAD&D coverage for your spouse in increments of 5,000 not to exceed 250,000. This benefit may notexceed 50% of your Supplemental Life Insurance amount. Your spouse will be subject to Evidence ofInsurability for any amount over 30,000.AgeUnder 2525-2930-3435-3940-4445-4950-5455-5960-6465-6970 04770.827To calculate your semi-monthly cost, use the following formula: 1,000 x Life Benefit AmountRateMy Semi-Monthly CostYou may also purchase Life and AD&D Insurance for your child(ren). The benefit for child/children 6 monthsto 21 years is 10,000. No Evidence of Insurability is required. The semi-monthly cost for 10,000 is 0.655(cost is for all covered children).ImportantNote11If you choose not to elect the Supplemental Life coverageduring your initial eligibility period at hire and want to applyfor it later, you will be subject to Evidence of Insurability(similar to medical underwriting).All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.
DISABILITYVoluntary Short-Term Disability Income BenefitsIn the event you are unable to perform the duties of your own occupation due to a short term medicalcondition, non-work related injury, illness, or maternity, ADCS offers a Voluntary Short-Term Disabilityprogram through Cigna.Elimination Period:6 days for accidents; 14 days for illnesses (including maternity)Maximum Benefit Period:Weekly Benefit:25 weeksup to 60% of your weekly earnings to a maximum of 1,500 per weekAgeRateUnder 490.41050-540.46555-590.63560-640.83065-690.93570 0.935 STD coverage supplementsyour lost wages shouldyou be unable to work dueto a covered illness, injuryor pregnancy. STD coverage begins afterthe specified eliminationperiod due to a medicallycertified illness or injury.Benefits are payable up tothe specified benefitduration period. Benefits are paid to you aslong as you are under theplan or the maximumpayment period; remaindisabled and under theregular care of a physician.To calculate your semi-monthly cost, use the following formula: 52 x 60% 10 x Annual EarningsImportantNoteWeekly EarningsWeekly BenefitMax 1,500RateSemi-Mo.CostIf you choose not to elect the Short-Term Disabilitycoverage during your initial eligibility period at hire andwant to apply for it later, you will be subject to Evidence ofInsurability (similar to medical underwriting).All benefits in this booklet are subject to change. This is an Employee Benefits Guide and not a contract. All benefits are subjectto the provisions and exclusions of the master contract.12
DISABILITYVoluntary Long-Term Disability Income BenefitsIn the event you are unable to continue actively working due to a non-work related injury, illness, ormaternity, ADCS offers a Voluntary Long-Term Disability program through Cigna.Elimination Period:180 daysMonthly Benefit: up to 60% of your monthly earnings to a maximum of 6,000 per month. Monthlyearnings are based on the total compensation reported on your prior year’s W-2, excluding commissionsand/or bonuses. Long Term Disability (LTD)coverage picks up whereSTD left off.AgeRateUnder 250.048LTD coverage supplementsyour lost wages shouldyou be unable to work dueto a covered illness TD coverage begins afterthe specified eliminationperiod due to a medicallycertified illness or injury.Benefits are payable up tothe specified benefitduration 690.490LTD pays up to a maximumof 6,000 per month.70 0.490To calculate your semi-monthly cost, use the following formula: 12 100 x Annual EarningsMax 120,000ImportantNote13Monthly EarningsRateSemi-MonthlyCostIf you choose not to elect the Long-Term Disabilitycoverage during your initial eligibility period at hire andwant to apply for it later, you will be subject to Evidence ofInsurability (similar to medical underwriting).All benefits in this bo
Important ontacts Vendor Phone Number Website Human Resources Erica Novak Milliebeth Quinones Kristi Varner Lorena Pabon 407-875-2080 x1107
